Road-registered plant and equipment can be insured, but the insurance needs to reflect both its worksite activities and how it is used on public roads.

Depending on the equipment and its primary use, cover may be arranged under:

• Plant and Equipment Insurance
• Commercial Motor Insurance
• A combined insurance arrangement

Examples can include:

• Excavators
• Loaders
• Cranes
• Elevated work platforms
• Tractors
• Forklifts
• Trailers
• Other mobile machinery

Does registration cover the equipment itself? #

No.

Registration and compulsory third-party arrangements should not be confused with insurance covering damage to the equipment itself or property damage caused to other vehicles or property.

What does the insurer need to know? #

Relevant information can include:

• Equipment type
• Registration
• Worksite use
• Frequency of road use
• Distance travelled
• Operators
• Licensing requirements
• Whether goods are carried
• Whether the item primarily operates as machinery or as a vehicle

Road risk liability may be available under some Plant and Equipment policies, but it should not be assumed to apply automatically.

Contact our team if you need help deciding how road-registered plant should be insured.